CN102289869A - Credit card antitheft method based on image sharing and system thereof - Google Patents
Credit card antitheft method based on image sharing and system thereof Download PDFInfo
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- CN102289869A CN102289869A CN201110251724XA CN201110251724A CN102289869A CN 102289869 A CN102289869 A CN 102289869A CN 201110251724X A CN201110251724X A CN 201110251724XA CN 201110251724 A CN201110251724 A CN 201110251724A CN 102289869 A CN102289869 A CN 102289869A
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Abstract
The invention provides a credit card antitheft method based on image sharing and a system thereof. The system consists of a bank-end identity recognition system and a business-end identity recognition system, wherein the bank-end identity recognition system comprises an image generation module, a reconfiguration processing module and an automatic recognition module which are connected in sequence; and the business-end identity recognition system comprises an image processing module which is connected with the reconfiguration processing module and the automatic identification module, a signature input module and an image capture module which are connected with the image processing module respectively, and a display module connected with the automatic recognition module. In the system, after the signature image of a card holder is preprocessed, two shadow images are generated by image sharing, wherein one shadow image is printed on the credit card, and the other shadow image is stored to a bank; and in consumption, reconstruction processing is carried out by combination of shadow images on the credit card and shadow images stored in the bank, the signature image of the card holder is restored, and the signature image is compared to know whether to be consistent to the signature image of a consumer or not is carried out. By the method disclosed by the invention, the use security of the credit card is protected, the low cost is realized and the practicability is very strong.
Description
Technical field
The present invention relates to credit card secure payment technology, be specifically related to the credit card theft preventing method and the system thereof that deposit based on the image branch.
Background technology
Along with the raising and the rapid development of social economy of people's living standard, increasing consumer hankers after using credit card to pay.At present, the consumer is using credit card to carry out in the process of exchange with businessman, and domestic bank use two kinds of ways substantially, but still there is certain potential safety hazard in these ways for guaranteeing credit card purchase safety:
(1) I.D. and credit card double authentication.This way can cause the thief to have an opportunity to steal simultaneously the two, and consumes to the shop, and shop and bank needn't bear any responsibility, and the consumer must bear all losses.
(2) signature and password double authentication.When businessman utilizes between POS machine and the bank real-time Communication for Power checking credit card account and password, may be intercepted number of the account and encrypted message by the offender.In case the offender has stolen credit card, then do not have security and can say.Be familiar with holder's people owing to know holder name, in case obtain holder's credit card and password, then easier successfully crime.
In addition, domesticly in recent years also propose some novel credit card theft preventing methods, but also had potential safety hazard to a certain extent.For example application number is 200610117300.3 patent application document (a kind of method and system of preventing credit card embezzlement), a kind of theft preventing method based on two-dimensional bar code is provided, and this method is used two-dimensional bar code implicit expression to comprise cardholder signature information and is guaranteed safety by use consumer password.Though can effectively solve the problem that classic method exists, this method still makes the offender have an opportunity to take advantage of:
(1) security of this method depends on the underground of the two-dimensional bar code code decode algorithm that adopted, makes this method itself just have potential safety hazard, in case algorithm is cracked, total system will not have any security and can say;
(2) this method enhancing security mainly still relies on the consumption password.When the offender is truncated to the consumption password in the process that businessman and bank communicate after, when carrying out consuming the first time, can't consume though signing messages is different, but in the signing messages identifying, can see holder's name and signature character clearly, thereby can when consuming for the second time, provide correct consumption password and signing messages, normally consume;
(3) cashier of businessman also is a big potential safety hazard of this method.The cashier is very easy to spy on the consumption password when customer consumption, in case steal consumer's credit card, then successfully usurp than situation (2) is easier.
It is the important content of image information safe handling that the image branch is deposited, and also is one of hiding main method of image information.(m, n) thresholding image branch is deposited and exactly image is divided into n width of cloth shadow image, only equals or combine just more than the shadow image of the width of cloth of m(m≤n) to recover original image, and single width or the shadow figure that is less than the m width of cloth can't obtain the information of any original image.Come out so far from the image branch technology of depositing, many people study it and expand, and have proposed many different branches and have deposited algorithm, as Lagrange interpolation polynomial algorithm, matrix multiplication etc.
At present, people's research and development various automatic identification technologies, make that the accuracy of identification can reach certain standard automatically.The cashier of businessman can obtain consumer's on-the-spot signing messages by handwriting screen or photoelectric conversion device, after reserving signing messages and carry out consistance coupling with the holder again, judges according to matching result whether the consumer is exactly the holder.In the process of whole identification, can not reveal out any relevant holder's signing messages, can reach the effectively anti-effect of usurping.
Summary of the invention
Be defective and the deficiency that solves above-mentioned correlation technique, the present invention proposes a kind of credit card theft preventing method and system thereof that deposits based on the image branch, and is safe in utilization with effective protection consumer's credit card.This method is a kind of anti-credit card method of usurping of depositing algorithm based on (2,2) thresholding image branch.This method is carried out pre-service to holder's signature image earlier; Deposit by the image branch and generate 2 parts of shadow images, randomly draw 1 part and be printed on the credit card, form antitheft credit card, 1 part is saved to banking data base in addition; Read at last the shadow image on the antitheft credit card when consumption, the 1 part of shadow image in addition in conjunction with being kept at bank is reconstructed processing to this 2 width of cloth shadow image, recovers the cardholder signature image, with this as the whether stolen foundation of discriminating credit card.
Credit card burglary-resisting system of depositing based on the image branch provided by the invention is made up of bank's end identification system and businessman's end identification system, and wherein said bank end identification system comprises image generation module, reconstruction processing module and the automatic identification module that connects successively:
Wherein the image generation module is used for holder's signing messages is deposited 2 parts of shadow images of generation by the image branch, randomly draws 1 part and is printed on the antitheft credit card of generation on the credit card, and 1 part is stored to banking data base in addition;
The reconstruction processing module be used for be printed on shadow image that the consumer holds the shadow image on the credit card and be kept at banking data base by reconstruction processing recovering holder's signature image, this signature image will be as the foundation of differentiating that credit card is whether stolen;
Automatically identification module is used for consumer's signature image and holder's signature image are carried out the consistance coupling, judge whether the consumer is exactly the holder, whether can consume according to matching result decision consumer, and the information that will pay success or not returns to businessman;
Described businessman end identification system comprises signature load module, image capture module, image processing module and display module, the signature load module all is connected with image processing module with image capture module, image processing module holds the reconstruction processing module of identification system to be connected with automatic identification module with bank respectively, and display module is connected with automatic identification module.
The load module of wherein signing is used to obtain consumer's signature;
The shadow image transitions that image capture module is used for being printed on the antitheft credit card is a digital picture;
Image processing module is used for consumer's signature image and digital picture are carried out pre-service;
Whether successfully display module is used to show consumer's payment.
Described image generation module comprises that the MIM message input module, pretreatment module, the image that connect successively divide storing module and memory print module, and the memory print module is connected with the reconstruction processing module.
Wherein MIM message input module is used to obtain the cardholder signature image;
Pretreatment module is used for holder's original signature image is carried out the image pre-service;
Image divides storing module to be used for pretreated signature image divided to deposit processing, generate 2 parts of shadow images;
The memory print module is used to randomly draw 1 part of shadow image and is saved to banking data base, and 1 part is printed on the credit card in addition.
Further, described MIM message input module is photoelectric conversion device or handwriting screen equipment.
The present invention also provides and utilizes above-mentioned credit card burglary-resisting system to realize the antitheft method of credit card, and its step is as follows:
(1) MIM message input module is obtained the cardholder signature image;
(2) pretreatment module is carried out pre-service to above-mentioned signature image;
(3) image divides storing module that pretreated signature image is divided to deposit processing, obtain 2 parts of shadow images;
(4) the memory print module is randomly drawed 1 part of shadow image and is stored among the banking data base, and 1 part of shadow printing image is on credit card in addition;
(5) the image capture module shadow image photoelectricity that will be printed on the credit card converts digital picture to, carry out pre-service to digital picture and by consumer's signature image of collecting of signature load module then, and pretreated consumer's signature image is sent to automatic identification module;
(6) the 1 part of cardholder signature image that the shadow image is restored by reconstruction processing in addition that will preserve with banking data base through the pretreated digital picture of step (5), this signature image will be as the foundation of differentiating that credit card is whether stolen;
(7) automatic identification module carries out the consistance coupling with the cardholder signature image of pretreated consumer's signature image and recovery, judges whether the consumer is the holder, and promptly whether credit card is stolen;
(8) whether banking system can pay according to judged result decision consumer, and the result that will pay success or not returns to businessman;
(9) whether display module will be paid successful result and show.
The described branch of step (3) is deposited to handle and is adopted external disclosed image branch based on (2,2) thresholding to deposit algorithm, specifically may further comprise the steps:
(1) cardholder signature information is deposited algorithm by the image branch and generates 2 parts of shadow images, though the shadow image add up to 2;
(2) setting threshold value is 2, when the shadow image is less than 2 parts, can't reduce signature image.
Specifically may further comprise the steps of described step (6) reconstruction processing:
(1) the shadow image that the consumer is held on the credit card inputs to the image pretreatment module, obtains 1 part of shadow image of cardholder signature image;
(2), deposit the reconstruct that the corresponding restructing algorithm of algorithm is reserved signing messages with the image branch by utilizing in conjunction with the shadow image of preserving in the banking data base.
The name that described cardholder signature image is the holder, the figure or the sign that have only the holder to know.The shadow image that is printed on the credit card can't intuitively be seen, if there is the people to steal credit card, also can only obtain 1 part of shadow image, and in addition 1 part of shadow image is kept at banking data base, and only knowing that the image branch is deposited algorithm also can't reconstruct original signature information.
In addition, the terminating machine that businessman's end device need use during as consumer spending is placed on each businessman, and can carry out secure communication and message exchange with bank's end.In view of the above, the present invention can also be applied to the anti-counterfeit anti-theft usefulness of other certificate, such as I.D., driver's license, passport, academic certificate etc.
Compared with prior art, the present invention has the following advantages:
(1) the present invention need not to carry I.D. or accesses to your password, and only need carry a credit card that is printed with signature shadow image and can judge whether the identification consumer is the card holder, and is easy to use, solved the problem that traditional theft preventing method exists;
(2) image of the present invention divides the image branch of storing module employing to deposit algorithm externally openly, has remedied the problem that exists based on two-dimensional bar code anti-theft device need to be keep secret code decode algorithm;
(3) identifying of the automatic identification module of the present invention is finished at bank's end, guarantees except that the holder, comprises that cashier's all other men can't learn holder's signature image;
(4) the cardholder signature image of the present invention's use can be holder's name or image or the sign that the holder knows, and has solved the problem that the familiar people of holder is successfully copied signature easily;
(5) the shadow image of the present invention's generation is that implicit expression comprises cardholder signature information, even the offender has intercepted the shadow image or stolen credit card when businessman and bank correspondence, also can't obtain any relevant holder's signing messages;
(6) the present invention has protected the safe in utilization of credit card, realizes that cost is low, has very strong practicality, and is easy to utilize.
Description of drawings
Fig. 1 is the synoptic diagram that the present invention is based on the credit card burglary-resisting system that the image branch deposits;
Fig. 2 is the synoptic diagram of image generation module among Fig. 1;
Fig. 3 is the generation synoptic diagram of shadow image among Fig. 2.
Embodiment
Below in conjunction with accompanying drawing the present invention is done further detailed narration, but be not limited thereto.
Embodiment
The credit card burglary-resisting system of depositing based on the image branch is as shown in Figure 1: this system comprises businessman's end identification system and bank's end identification system.Described bank end identification system comprises image generation module, reconstruction processing module and the automatic identification module that connects successively; Businessman's end identification system comprises signature load module, image capture module, image processing module and display module, the signature load module all is connected with image processing module with image capture module, image processing module holds the reconstruction processing module of identification system to be connected with automatic identification module with bank respectively, and display module is connected with automatic identification module.
The image generation module constitutes as shown in Figure 2, comprises that MIM message input module, pretreatment module, image divide storing module and memory print module, and the memory print module is connected with the reconstruction processing module.
Above-mentioned credit card burglary-resisting system based on the image sense of propriety realizes that the antitheft method of credit card is as described below:
After MIM message input module is obtained the cardholder signature image, by pretreatment module it is carried out pre-service, and then divide storing module to carry out the image branch by image and deposit processing, generate 2 parts of shadow images, 1 part is printed on the antitheft credit card of generation on the credit card, and 1 part is saved to banking data base.The memory print module is connected with the reconstruction processing module again.
The image capture module employing photoelectric conversion device of businessman's end identification system obtains the shadow image on the antitheft credit card, and is converted into digital picture, is undertaken being sent to the reconstruction processing module after the pre-service by pretreatment module.Branch when the reconstruction processing module adopts with bank's making shadow image is deposited the corresponding restructing algorithm of algorithm, in conjunction with the shadow image that is kept in the banking data base, recovers holder's signature image, and this signature image is sent to automatic identification module.Obtain consumer's signature image by the signature load module, after the pre-service through the image pretreatment module, be sent to automatic identification module, judge whether the holder's who recovers out signature image and consumer's signature image mate, judge whether the consumer is the holder, can pay according to matching result decision consumer, the result whether success is paid with sends to businessman, and the result can show in display module.
As above just can when consumer spending, judge whether the consumer is the card holder, thereby realize the secure payment of credit card.
The generative process of shadow image is: at first obtain the cardholder signature image by MIM message input module, and the signature image that obtains is carried out pre-service; Then above-mentioned pretreated signature image is carried out the image branch and deposit processing, obtain 2 parts of shadow images; Randomly draw 1 part of shadow image at last and be saved to bank, 1 part is printed on the credit card in addition, makes it possess the antitheft function of using.
Wherein MIM message input module adopts handwriting screen or photoelectric conversion device directly to gather user's signature, user's signature image can be user's a name, also can be a kind of comparatively complex image or the sign that has only user oneself to know, in this way, even if the friend that the user is familiar with, also can't learn any signing messages of user, guarantee the security of credit card.
Anyone can only judge whether the consumer is the holder by the display result of display module, but but can't obtain holder's signing messages, therefore, has safeguarded the confidentiality of cardholder signature information.
Adopt the image branch to deposit processing,, also can't obtain the signing messages of Any user, therefore can't successfully copy signature and stealing the brush credit card even the offender steals or duplicated credit card.
Fig. 3 has provided the generative process of shadow image among Fig. 2.Be exactly the random noise image on this shadow image vision, the offender can't with the naked eye steal user's signature; In addition, this only is a part of information of user's signature with shadow image, even this credit card is stolen or duplicated in crime, and has obtained the disclosed branch of bank and deposits algorithm, owing to can't obtain another part shadow image that bank preserves, still can't obtain user's signature.User's signature information is user's name not necessarily, but therefore a kind of comparatively complex image or the sign that have only user oneself to know, have stolen credit card even be familiar with user's friend, owing to do not know also can't carry out crime by signing messages.
In addition, businessman's end identification system can be held the identification system interactive information with bank, for example businessman will read to such an extent that shadow image on the credit card and consumer's on-the-spot signature image send to bank, the user's signature image recovers in conjunction with the shadow image that is kept in the banking data base in bank, and mate with consumer's signature image, and the result whether success is consumed returns to businessman.
Claims (9)
1. the credit card burglary-resisting system of depositing based on the image branch, it is characterized in that described credit card burglary-resisting system is made up of bank end identification system and businessman's end identification system, wherein said bank end identification system comprises image generation module, reconstruction processing module and the automatic identification module that connects successively;
Wherein the image generation module is used for holder's signature image deposited to handle by the image branch generating 2 parts of shadow images, and randomly draws 1 part and be printed on and generate antitheft credit card on the credit card, and 1 part is stored to banking data base in addition;
The reconstruction processing module be used for be printed on shadow image that the consumer holds the shadow image on the credit card and be kept at banking data base by reconstruction processing recovering holder's signature image, this signature image will be as the foundation of differentiating that credit card is whether stolen;
Automatically identification module is used for consumer's the signature image and the cardholder signature image of reconstruction processing module recovery are carried out the consistance coupling, judge whether the consumer is exactly the holder, whether can consume according to matching result decision consumer, and the information that will pay success or not returns to businessman;
Described businessman end identification system comprises signature load module, image capture module, image processing module and display module, the signature load module all is connected with image processing module with image capture module, image processing module holds the reconstruction processing module of identification system to be connected with automatic identification module with bank respectively, display module is connected with automatic identification module, and the load module of wherein signing is used to obtain consumer's signature image;
Image capture module is used for the shadow image that will be printed on the antitheft credit card, and is converted into digital picture;
Image processing module is used for consumer's signature image and digital picture are carried out pre-service;
Whether successfully display module is used to show consumer's payment.
2. credit card burglary-resisting system according to claim 1, it is characterized in that described image generation module comprises that the MIM message input module, pretreatment module, the image that connect successively divide storing module and memory print module, the memory print module is connected with the reconstruction processing module, and wherein MIM message input module is used to obtain the cardholder signature image;
Pretreatment module is used for holder's original signature image is carried out pre-service;
Image divides storing module to be used for pretreated signature image divided to deposit processing, generate 2 parts of shadow images;
The memory print module is used to randomly draw 1 part of shadow image and is saved to banking data base, and 1 part is printed on the credit card in addition.
3. credit card burglary-resisting system according to claim 2 is characterized in that described MIM message input module is photoelectric conversion device or handwriting screen equipment.
4. according to claim 2 or 3 described credit card burglary-resisting system, it is characterized in that described image capture module is a photoelectric conversion device.
5. the antitheft method of credit card that realizes according to the described credit card burglary-resisting system of depositing based on the image branch of one of claim 1 to 4 is characterized in that concrete steps are as follows:
(1) MIM message input module is obtained the cardholder signature image;
(2) pretreatment module is carried out pre-service to above-mentioned signature image;
(3) image divides storing module that pretreated signature image is divided to deposit processing, obtain 2 parts of shadow images;
(4) the memory print module is randomly drawed 1 part of shadow image and is stored among the banking data base, and 1 part of shadow printing image is on credit card in addition;
(5) the image capture module shadow image photoelectricity that will be printed on the credit card converts digital picture to, carry out pre-service to digital picture and by consumer's signature image of collecting of signature load module then, and pretreated consumer's signature image is sent to automatic identification module;
(6) the 1 part of cardholder signature image that the shadow image is restored by reconstruction processing in addition that will preserve with banking data base through the pretreated digital picture of step (5), this signature image will be as the foundation of differentiating that credit card is whether stolen;
(7) automatic identification module carries out the consistance coupling with the cardholder signature image of pretreated consumer's signature image and recovery, judges whether the consumer is the holder, and promptly whether credit card is stolen;
(8) whether banking system can pay according to judged result decision consumer, and the result that will pay success or not returns to businessman;
(9) whether display module will be paid successful result and show.
6. method according to claim 5 is characterized in that the described branch of step (3) is deposited handle to adopt to deposit algorithm based on the image branch of (2,2) thresholding, specifically may further comprise the steps:
(1) the cardholder signature image is deposited algorithm by the image branch and generates 2 parts of shadow images, though the shadow image add up to 2;
(2) setting threshold value is 2, when the shadow image is less than 2 parts, can't reduce signature image.
7. method according to claim 5 is characterized in that specifically may further comprise the steps of described step (6) reconstruction processing:
(1) the shadow image that the consumer is held on the credit card inputs to the image pretreatment module, obtains 1 part of shadow image of cardholder signature image;
(2), deposit the corresponding restructing algorithm of algorithm by utilization with the image branch and carry out the reconstruct of cardholder signature image in conjunction with the shadow image of preserving in the banking data base.
8. method according to claim 6, it is externally open to it is characterized in that described image branch is deposited algorithm.
9. according to the described method of one of claim 5 to 8, it is characterized in that described cardholder signature image is holder's a name, the figure or the sign that have only the holder to know.
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Application publication date: 20111221 |